Free tool

Is the annual fee worth it?

Pick a card and enter your spends. We'll compare the rewards you'd earn with the fee you'd pay (after any spend-based waiver) and show your break-even spend.

Card

Online shopping₹5,000 Groceries₹4,000 Food delivery & dining₹3,000 Fuel₹3,000 UPI scan & pay₹5,000 Bills & recharges₹2,000 Travel & flights₹0 Everything else₹3,000

Estimates use typical reward rates and ignore monthly caps. Check each card's terms before applying.

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